4[1]Daniel M Mroz.Comment:credit or debit? unauthorized use and consumer liability under federal consumer protection legislation[J].Law Review,2004(19):589-615.
5[2]James Brook.Payment systems:examples and explanations[M].U.S.,Aspen Publishers,2002.
6[3]Ronald J Mann.Article:Credit Cards and Debit Cards in the United States and Japan[J].Law Review,2003(55):1055.
7[4]中国银联战略发展部.中国银行卡产业发展报告[M].上海:上海远东出版社,2005.
8[2]In 1978 Congress passed the Electronic Fund Transfer Act (EFTA),which was codified as Title IX to the comprehensive Consumer Credit Protection Act (15 U.S.C.§1601).为简便起见,下文引注为EFTA.
9[1]See Bryan A.Garner,Black's Law Dictionary,p128.
